Best Breakdown Cover Options To Consider
Without the right insurance, if your car breaks down you could end up with a hefty call out fee. 😧 If you want to avoid the hassle, stress, and damage to your wallet, you’re going to need some type of breakdown cover. With several breakdown cover options to choose from, you can select one that fits your needs best.
However, before you get a breakdown cover, it’s a good idea to check if your car insurance provider has automatically included it in your policy. If you already have a breakdown cover plan, find out what features are included and whether they’re sufficient for you. If not, you can always get additional cover, so you’ll have peace of mind whenever something goes wrong with your car while you’re on the road.
What is Breakdown Cover?
Breakdown cover is a type of insurance policy where you can get roadside assistance and recovery if your car breaks down. It helps keep your expenses down, since getting breakdown cover is usually more affordable than paying for roadside assistance yourself. You have the option to pay for the cover either monthly or annually, although you can often save more by choosing the latter.
How Does a Breakdown Cover Work?
Breakdown cover is a type of insurance policy that delivers roadside assistance in the event of a breakdown. Imagine this - You’re driving on a motorway, or any road in the UK, and you start to experience trouble with your car. You pull over at a safe spot and call your breakdown cover provider. They send a specialist wherever you are and can sometimes fix your car right then and there.
If the car needs more work, it will be towed to the nearest garage. Depending on your cover, the provider can also help you get home, send over a replacement car, or assist you so you can continue your journey.
Different Types of Breakdown Covers
Like all insurance, there are many different types of breakdown cover you can choose. Let’s break down some of the most common types of breakdown cover available:
If you only want the most basic level of breakdown cover, you may get Roadside Assistance. With this cover, you can call for help and then a specialist will come to your location and hopefully fix your car there. Keep in mind that this cover is only applicable if you’re at a certain distance from your residence. Usually, this is about a quarter of a mile from your home.
If the specialist is unable to complete the repair on the spot, your car will be taken to the nearest garage, or to one approved by your insurance provider. Depending on your policy, it’s also possible to have your car towed to your preferred location. However, check with your provider if the third option is included in your cover, and ask about how far your car can be towed.
With this type of breakdown plan, your basic roadside assistance cover will also include more options on where you want your car to be towed to. For example, the breakdown service may take your car to your preferred garage, or to any place in the UK. You may ask that your car be taken to your residence if it broke down somewhere that’s already a long distance from your home.
Having this type of cover means your cost for continuing your journey to reach your destination will be covered. There are usually three options from most insurance providers. Your provider can arrange a hire car which you can use for a maximum of three days while your vehicle is being repaired.
You may also choose to use public transport to continue your trip and the insurance provider will cover the expenses for your taxi, train, or bus. Lastly, the insurance provider can arrange overnight accommodation so you can wait while your car is still in the garage.
Home Start Rescue
In case your car breaks down while you’re still at home, this type of cover lets you call for assistance. Don't assume this is covered in a basic policy - this catches many people out! Home Start Rescue breakdown cover also lets you call for help if your car breaks down within a quarter of a mile from your home.
Breakdown cover start rescue is like roadside assistance. Your car can be towed to the nearest garage if the specialist finds that more work needs to be done to your vehicle.
Alongside standard breakdown cover policies, you can also choose to add on various extras. These include:
- Key replacement: If you need new locks, have lost your keys, or if they’ve been damaged or stolen, you can call for assistance. You may be provided with a hire car while your current one is getting new locks.
- Battery cover: The cause of your car breakdown might be a flat battery. If you have this optional cover, your battery can be recharged for you. Or if you need a new one, the provider will cover the cost of getting a new battery.
- Tyre replacement: In the event that your car gets a punctured tyre, a specialist will come to you and repair, or fit a replacement, so you can proceed to your destination.
Get Peace of Mind with the Best Breakdown Cover
Having breakdown cover that fits your needs will give you peace of mind whenever you travel; especially if you drive frequently or travel long distances. With breakdown cover, you can be sure that help will come if you ever encounter any trouble with your vehicle. Just make sure that you choose the right level of breakdown cover so that you will have all the assistance you need if your car ever breaks down. 👍
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